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Linked Accounts
Get started with Linked AccountsAdd funds via direct debits from Linked Accounts
Review direct debit mandate requirements
Retrieve your depositsReview status codesUnderstanding direct debit flight times and funding limits
Manage Linked Accounts

Review direct debit mandate requirements

Before you can create a Linked Account and add funds via direct debit, you must obtain authorization from the external bank account owner in the form of a signed mandate (or signed agreement).

If you are looking to add funds via direct debit from your own external bank account, we recommend contacting your Account Manager to sign the mandate offline, or setting up the Linked Account on the Airwallex WebApp.

If you are registered as a Scale platform account and creating Linked Accounts on behalf of your connected accounts, you must follow region-specific instructions for obtaining the direct debit agreement from the external bank account owners.

Australia (AU_BECS_DEBIT)

The use case and front-end experience must be reviewed and signed off by both Airwallex and our local banking partner before you can process any transactions.

To add funds to their connected accounts via BECS direct debit, your customers must first link their Australian external bank accounts based on the requirements mentioned in the previous section.

The owner of the external bank account must agree with the Direct Debit Request Service Agreement (“DDRSA”) . They may do so by submitting a Direct Debit Request (“DDR”, see below), which gives Airwallex a mandate to debit the account. While we do not expect this to occur frequently, if and when the DDRSA is changed, you must ask the owners to update their agreements to the updated version. A copy of the signed DDRSA will be sent by Airwallex via email to the bank account owner, and is stored and made available to be shared with the customer at all times.

When building your native scale experience for your connected account customers, you can create an online form, served over HTTPS, for online mandate acceptance. Please ensure that:

  • On the same form, you ask the external bank account owner to enter their (or display their previously entered) bank account name, BSB code, and bank account number.
  • The DDR is displayed, in its entirety, for the customer to sign off at the time of submitting the linked bank account for setup.
  • The DDRSA is provided to the customer, either in line or in a linked page, exactly as shown.

Failure to comply with BECS Rules will result in disputes, return fees, and reversed transactions that you will be responsible for.

Direct Debit Request

This Direct Debit Request (DDR) enables you to link your bank account with Airwallex for direct debits. By submitting this Direct Debit Request, you agree to the Direct Debit Request Service Agreement (“DDRSA”) and authorize Airwallex, through its own financial institution, to debit your nominated account through the Bulk Electronic Clearing System (BECS) any amount and frequency specified by you. You also confirm that you have the authority to link the nominated account.

United States (US_ACH_DEBIT)

The use case and front-end experience must be reviewed and signed off by Airwallex before you can create any direct debit mandates or process any transactions.

To add funds to their connected accounts via ACH direct debit, your customers must first link their United States external bank accounts based on the requirements mentioned in the previous section.

Before any ACH direct debit is processed, the owner of the external bank account must authorize Airwallex to directly debit the account on your behalf, in compliance with the NACHA Rules. A copy of the authorization will be sent by Airwallex via email to the bank account owner, and is stored and made available to be shared with the customer at all times.

When building your native scale experience for your connected account customers, you can create an online form, served over HTTPS, for online ACH authorizations. Please ensure that:

  • On the same form, you ask the external bank account owner to enter their (or display their previously entered) bank account name, ACH routing number, and account number.
  • The following text is displayed on the same form:

You authorize Airwallex US, LLC ("Airwallex"), on behalf of [AIRWALLEX PLATFORM CUSTOMER], and, if applicable, [AIRWALLEX PLATFORM CUSTOMER]’s affiliated entities ("Merchant"), to debit the bank account specified above for any amount owed for charges arising from your use of Merchant’s services and/or purchase of products from Merchant, pursuant to Merchant’s terms, and, if necessary, to electronically credit your bank account to correct erroneous debits, until this authorization is revoked.

If you use Merchant’s services or purchase additional products periodically, pursuant to Merchant’s terms, you authorize Airwallex to debit your bank account periodically. Payments that fall outside of any regular debits authorized above will only be debited after your authorization is obtained.

You may amend or cancel this authorization at any time by providing 30 (thirty) days' notice to Airwallex prior to the scheduled debit. You may provide such notice to Airwallex by contacting [email protected]

United Kingdom (GB_BACS_DEBIT)

The use case and front-end experience must be reviewed and signed off by both Airwallex and our banking partner, Modulr Finance, before you can process any transactions.

To add funds to their connected accounts via Bacs direct debit, your customers must first link their United Kingdom external bank accounts based on requirements mentioned in the previous section.

The owner of the external bank account must agree with the Direct Debit Guarantee, displayed and signed according to UI guidance that will be shared by your relationship manager. You are also required to send the bank account owner a setup confirmation email after the Linked Bank Account is created, and an advance notice email 3 business days before each debit: both are available to you as white-labeled solutions.

Before any Bacs direct debit is processed, the owner of the external bank account must authorize Airwallex to directly debit the account on your behalf by agreeing to the Bacs Direct Debit Guarantee. A copy of the agreement will be sent by Airwallex via email to the bank account owner, and is stored and made available to be shared with the customer at all times. An advance notice email will also be sent 3 business days before each direct debit’s collection date.

When building your native scale experience for your Connected Account customers, you can create an online form, served over HTTPS, for online Bacs agreements. Please ensure that:

  • On the same form, you ask the bank account owner to enter their (or display their previously entered) bank account name, sort code, account number, e-mail, phone number, and address.
  • Display “Airwallex” as the name that will show up on the bank statement, and a checkbox or similar mechanism for the bank account owner to confirm that they are authorized to set up Direct Debit payments on the account.
  • The Direct Debit Guarantee is provided to the customer, either in line or in a linked page, exactly as shown and with the Direct Debit Guarantee logo included:

Direct Debit Guarantee

The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit, Airwallex (UK) Limited will notify you 3 working days in advance of your account being debited or as otherwise agreed. If you request Airwallex (UK) Limited to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit, by Airwallex (UK) Limited or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you are not entitled to, you must pay it back when Airwallex (UK) Limited asks you to. You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

After signing the agreement, you must also display a confirmation screen for the bank account owner to check their details, including:

  • The following wording or something to a similar effect: “This is the Instruction to your bank or building society to pay by Direct Debit. Please check these details are correct before selecting Confirm below. You can go back to make changes, or cancel the setup.”
  • The previously entered bank account name, sort code, account number, e-mail, and phone number.
  • “Airwallex” as the name that will show up on the bank statement and a Reference number.
  • The Direct Debit Guarantee is provided to the customer, either in line or in a linked page, exactly as shown and with the Direct Debit Guarantee logo included.
  • Contact information to customer support, and an option to cancel the Instruction.
  • Optionally, you may also choose to display Airwallex’s Service User Number, the Bank or Building Society name, and the customer’s address.
On this page
  • Australia (AU_BECS_DEBIT)
  • United States (US_ACH_DEBIT)
  • United Kingdom (GB_BACS_DEBIT)